on the market in cities like palm springs. it's said that many high-end owners are finally beginning to accept lower prices on high-end homes. the rental market is expected to remain competitive in 2013, keeping it a landlord's market. apartment rents on average will likely tick up 4.6% next year, while vacancy levels drop to 3.9% according to the national association of realtors. anything below 5% is a landlord's market. the cities with the lowest vacancy are portland, new york, and minneapolis. your fingerprint may soon make a bigger impression than your signature when paying with a credit card. discover financial services is testing "paying by fingerprint" among its own employees. staffers who want to participate sign up for the service and can then use touch pads to pay for items in the company cafeteria or convenience store. discover is hoping to develop both a safer and more convenient way to complete a purchase. down, but reportedly not out: according to the wall street journal, there's "a flood" of interested buyers lo